Personal gain is not a factor, when it is done AT NO ONE ELSE'S Expense. What you can create through your own imagination & effort, is perfectly fine. If your personal gain just happens to enrich other people at the same time, that's even better. Two things to keep in mind are Intent, and the method of Manefestation. There are always consequences in action. That's Cause & Effect. Karma is neither a Reward, nor a Punishment. It is merely the results of action, and has no more emotional import than a cue ball feels when you do a bank shot to sink the eight ball.

The trick is to figure out what the results most likely will be in advance... not just personally, but universally. That's a skill which can be developed through careful observation. We gravitate conditions to us in the Material World, that match what is going on inside us. That's why the Ancients taught this lesson : Know Thyself! The better you know yourself, the more understanding you will have about the true nature of your own appetites & desires. Rid yourself of that which is unworthy within yourself, and circumstances in the Material World, will alter themselves accordingly.

Considering the barbaric past of the human species, can there be any question as to why circumstances on this planet are, shall we say, less than harmonious? Now of course, since we are all co-creators of the conditions that prevail on Earth, none of us is entirely responsible for what is going on in the world, AND none of us is entirely innocent either. We have to take responsibility for that, before we can move on.